eWallet Platform is innovative processing system for electronic wallets (electronic accounts) with Web and Mobile Apps interfaces. This is a tool for end-users to pay for goods and services (restaurants, cinemas, shopping malls, online shopping, tickets, etc.) and also to make instant p2p money transfers, based on own electronic money issuing processing (Prepaid Payment Instruments). For retailers: efficient and easy-to-integrate tool for accepting online & offline and also mobile (iOS, Android) payments. Deriving products/services/technologies: - e-money (Prepaid Payment Instruments) issuing and processing, - e-wallets for end users and for merchants, - p2p transfers, - pre-paid card (based on MasterCard, Visa) as an access tool for e-wallet could be linked. www.walletfactory.eu www.mWallet.pro

1. Financial
and Marketing
Solutions:
eWallet
November, 2016

2. What is eWallet?
24
An Electronic Money Processing platform
giving you the opportunity to build your own
payment business
without starting from scratch.
Full-fledged payment system for all kinds of
payments and transfers.
Whether you operate financial services
company, a retail network or a telecom operator
– our E-Wallet solution will bring your business
to the next level, allowing you to harness up-to-
date tech trends.

3. eWallet Features for end-users
3
 E-Wallet balance & transaction history
 Refill & funds withdrawal
 Mobile refill
 Payments for TV/Internet
 Utility payments
 Online payments for goods & services
 Taxi fares
 Insurance payments
 Other services (transportation, loans, charity etc.)
 Tuition fee payments
 Entertainment - tickets, games, paid content
 Social media payments
 Integration with prepaid cards, card payments
 QR code payments
 NFC payments
 Instant P2P transfers (e-wallet to e-wallet, card-to-
card)
Electronic Wallets are very similar to bank
accounts, wherein customers can hold the
money in any currency, that can be used
later for various purposes, such as
payments, local or overseas money
transfers, paying utility bills, prepaid cards
and so on. Customers can easily convert
the money from one currency into another,
and vice-versa, almost immediately.
Customers can make the payments in any
currency to their intended beneficiaries,
both locally and world-wide.

4. eWallet Features for businesses
4
Full automation of
payment acceptance
Instant money transfer
to merchant’s e-wallet
Payments history
Invoicing
Generating vouchers
Fees management
SMS notifications
Managing NFC-stickers
orderings
Ordering cards
B2C payments
Holding funds
API integration

5. eWallet Services: Basics
5
eWallet
1. Buying e-
money from
issuing bank or
agent
4. E-
money
withdrawal
3. E-wallet usage
2. E-wallet cash-
in
Customer
3.1. Online, offline &
NFC payments for
goods and services
3.2. Р2Р transfers

6. eWallet Services: cash-in
6
2. Tools for adding money to eWallet
Cash Cashless
Kiosks ATMs POS-terminals
Bank’s cash units
Visa, Mastercard E-money
Bank transfers Prepaid cards

7. eWallet Services: Payments
7
3.1. Payments for goods, services, gift certificates
Utilities Retail
stores
Cinemas Fuel
stations
Mobile
operators
Online stores
TV Internet-
providers
Loans
repayment
Gifts Gift certificates

8. eWallet Services: Transfers
8
3.2. P2P Money Transfers
Customer 1 Customer 2
PAYMENT
SYSTEM
Operator
Data
exchange
Data
exchange
E-money

9. eWallet Services: Cash-Out
4. E-money withdrawal (exchange for real money)
Customer Issuer
PAYMENT
SYSTEM
Operator
Data
exchange
Data
exchange
Tools for funds withdrawal
Real money
E-money
9

10. How eWallet Works: Customer Profile
10

11. How eWallet Works: Money Transfer
11

12. Underlying
Magic

13. Architechture
13
MONEY IN THE CLOUD
Payment Gateway
Modules
Clientoptions
SystemApplication
PrePaid Credit Card Bank account
Loyalty E-wallet Payment/
Refill
OTP …
Web
browser
NFC
iOS, Android
PoS
SMS/USSD

14. Interfaces & gateways
14
User interfaces
Individual
user’s
personal
account
Merchant’s
account
Administrator’
s account
Manager’s
account
Agent’s
account
Operator’s
account
API (deposit, withdrawal,
transfer, receipt of payments,
balance display, transactions
history, vouchers generation)
Communication interface
(import-export) for automated
banking system.
Interface for working with
contactless pos-terminals
Integration
with SMS-
gateways
Services payment gateway
(utility payments, topping up
mobile phones etc.)
User mobile apps
Universal payment module for the connection of
external systems of funds input and withdrawal.
iOS mobile app (iPhone, iPad) Android
mobile app

15. Security
At the heart of the security strategy
we use the international standard
ISO 27000, defining the
requirements for information
security management and risk
management
All our partners are PSI DSS
certified service providers
To provide fault tolerance and load
balancing system, we are guided by
global standards, High Availability
(HA) and Load Balancing (LB)
Wallet Factory is fully integrated
with international payment
systems
15

16. Open API
16
Open API
multiplies choices,
opens more
opportunities for
the creative talent
from any field of
business and
enables quick and
flexible integration
Server #5
Data center #2
PHP Application server #2
MySQL server #3
PHP Application server #1
Nginx (Web server 1)
site.com
IP 002 (Reserve)
User (Web,
Mobile )
CRM APP
CRM
PARTNER
SITE
Percona (Master)
IP 005
eWallet e-money server
User (Partners
API) eWallet,
mWallet
Backup Server
IP 007
WAF
api.site.com IP
001 (Active)
Partners
API
Nginx (Web server 2)
site.com
IP 004 (Active)
CRM
PARTNER
SITE
api.site.ua IP
003 (Reserve)
Partners
API
Partner API
requests
MySQL server #4
Percona (Slave)
IP 006
DB Connection
DB Connection
DB Saving
User requests
Processing
API
Partners API
reserve
flow
Processing API
Info exchange streams
Secondary
(backup)
Primary
User reserve
flow
GIT
Reserve DB Connections
Data center #1
User resources
sync
Replication
Web APP Saving
Web APP Saving

17. Hardware requirements
17
• For the smooth operation of the payment
system three servers are needed with the
following minimal configuration:
✓ Processor - Intel 3.0 GHz or more
✓ RAM - 2 x 8 GB DDR3 1600 MHz ECC
✓ Hard drive - 2 x 500 GB
✓ Web-server - Apache
✓ PHP, MySQL

18. White Labeled solutions
18
With Wallet Factory, you can get a
customized turnkey solution under your
own brand. Our White-Labeled solutions
don’t need development from scratch and
guarantee your products minimum time-to-
market – 2-3 months

19. Our Team
19
• 15 years of successful experience in the fields of
finance, banking and payment technologies
• Strong management team including professionals
from Finance and Payments, Marketing, IT
domains
• 25 employees in 3 offices in Poland, Ukraine and
China

20. Our Projects
20
15+ years of experience in development of innovative fin-tech products. We were the 1st in the
global market to launch electronic money, payment systems aggregator and the system of
mobile payments from the account of the mobile operator, the 1st who introduced payment self-
service terminals in Ukrainian market, the 1st in the CIS market to launch contactless payments
and many other innovative products and solutions.
1. Rupay (www.rupay.com) system of electronic money - sold to the Russian holding RBC, renamed to RBKmoney, is
successfully operating in the Russian market (www.rbkmoney.com )
2. Autopay (Www.autopay.com.ua) payment terminals network - Ukraine's first network of self-service terminals. The
company developed server software, terminal software, connected over 200 service providers; the network was sold to
an international company.
3. Interkassa (Www.interkassa.com) aggregator of Internet payments - the first and largest aggregator of payment
systems, the system was sold to a Ukrainian company.
4. Monexy (www.monexy.ua and Www.monexy.eu ) e-money payment system - a system of online and offline payments
in Ukraine, that obtained the first license from the National Bank of Ukraine to issue electronic money, is the leader in
electronic money systems, working in partnership with one of the most innovative banks in Ukraine.
5. e-groshi (Www.e-groshi.ua) coalition loyalty system is a reward system, based on electronic money Monexy.
Currently it’s establishing contract relations with the major retailers. Within the existing contracts, over 1.2 million loyalty
cards have been issued. These cards will unite all the participating merchants in one integrated loyalty system.

21. Thank you
for attention!
Wallet Factory
Mikhail Miroshnichenko, CEO
Email: hello@walletfactory.pro
Addresses:
- Office 27, 2A Rydygiera St., Wroclaw, Poland,
- 4 Andrey Sheptytsky St, 10th floor, Kyiv, Ukraine,
- Office 11, 43 Bedford street, London, England, WC2E
9HA, United Kingdom,
- Wuxing Road, No. 277, Suite 1513, Shanghai 200030,
China
Phones:
PL +48-73500-7500
UA +38-067-621-57-13
UK +44-2081-444-801
US +1-415-830-3669
CN +86-183-2120-3019